How to use UPI without a smartphone?

You can use UPI without a smartphone or internet connection by using the *99# USSD service provided by NPCI. This service allows banking through your registered mobile number on any GSM phone.

• Dial \*99\# from your bank-registered mobile number.
• Select your preferred language and enter your bank's IFSC or name to link your account.
• To send money, choose option 1 and enter the recipient's mobile number, UPI ID, or bank details.
• Enter the amount and your UPI PIN to complete the transaction securely.